Auto

If your vehicle is damaged or totaled in an accident, fire, theft, or other covered event, the right insurance coverage will put you back on the road quickly. It's important to have a policy that provides protection for medical and legal expenses related to injuries, loss of life, or other property damage caused when accidents involve your vehicle.
An auto insurance policy is your contract with your insurance company. You pay a premium, and the insurance company promises to pay for specific related financial losses during the term of the policy. There are a range of features for each policy and we can help find the right ones for your needs.
Motorcycles, Trucks, Boats and RVs - Even Classic cars
Regardless of your mode of transportation or motorized recreation, Supino Insurance will work with you to obtain the right quote and coverage. If you have trouble, Supino will make sure that each step for recovery takes place in a timely manner.

How much auto insurance is right?

Massachusetts and New England have particular and unique driving conditions. The compact and congested roadways require attention and the right coverage. We understand the insurance needs of our customers. Auto insurance requirements vary by state. In most states you are required to carry a minimum amount of liability insurance and have proof of insurance. Supino Insurance writes insurance in Massachusetts and we would be happy to help you ensure that you have the right coverage for where you live. Be sure to review the laws for your state.
Supino Insurance can help you choose the right coverage, figure out what limits to carry and a deductible that fits your budget. Carrying the minimum coverage may not be the best thing to do if you have a lot of assets to protect, drive a high value vehicle that would be expensive to repair or replace, or spend a lot of time on the road. You should also think about your potential liability exposure to others. Do you provide transportation for children's games or field trips? Even if you do not have a lot of assets to protect, you can protect yourself from potential lawsuits by carrying the proper liability limits for your situation. Fortunately, insurance premiums become less and less expensive as you select higher liability limits. For example, a $300,000 liability policy would not cost three times that of a $100,000 policy.

Other things to consider when deciding how much insurance to carry would include:
Uninsured / Underinsured motorists on the road
Bad drivers
If you plan to finance a car, you will usually be required to have insurance which covers damage to your vehicle.

Liability insurance

Liability insurance pays for bodily injury or property damage caused to other drivers, passengers and pedestrians if you cause an auto accident. The two types of auto liability coverage are bodily injury and property damage. Bodily injury liability covers injuries to others and the resulting medical expenses, while property damage liability pays for car repairs and damage to other people's personal property.
The purpose of liability insurance is to provide financial stability by shielding against large losses, and providing protection from being sued for injuries and property damage. When you purchase an auto liability policy, you will select a coverage limit. This is the most the policy will pay for damages, and you will be responsible for any damages that exceed the coverage limit.
Those who do have a lot of assets to protect may want to get an excess liability (umbrella) policy as well. This insurance coverage would kick in after you have reached the limits of your car insurance. You should consider carrying enough coverage to protect the value of your assets from lawsuits.

Collision Insurance

Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)

Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it's not legally required by any state, you will probably need it if your car is financed.

How Driving Habits Affect How Much Auto Insurance You Should Buy

If you drive in high risks areas like highly populated cities, or if you just drive a lot, you may want to have more coverage. The more you drive, the more risk you'll have of being involved in an accident. If you tend to speed or if there are other drivers on your policy, you may also want to consider more coverage.
Every person is unique
Talk to us today to find out how to get the best price and value on auto insurance for you.
You are not just buying insurance. We CARE at Supino!

Car Insurance in Massachusetts

Massachusetts has specific car insurance requirements to ensure state residents have adequate coverage in the case of an accident or other vehicle-related incident.
These insurance mandates protect you, but they can also quickly increase the cost of your policy's rates, depending on the coverage limits you choose. If you're a safe driver, however, you may be eligible for a discount on your insurance premium.
Learn more about Massachusetts auto insurance requirements, rates, options and programs below.

Car Insurance Requirements

In Massachusetts, you are required to have 4 different types of car insurance coverages with the following minimums:
Bodily Injury to Others:
- $20,000 per person.
- $40,000 per accident.
Personal Injury Protection (PIP):
- $8,000 per person in an accident.
Bodily Injury Caused by an Uninsured Auto:
- $20,000 per person.
- $40,000 per accident.
Damage to Someone Else's Property:
- $5,000 per accident.
PIP coverage will cover you or your passengers' injuries from a car accident, regardless of who was at fault.

Optional Car Insurance

Most Massachusetts auto insurance companies allow drivers to purchase higher limits on the required coverage types and/or purchase additional insurance coverage. When getting a quote on car insurance ask about the following types of optional coverage:

• Collision – This covers damages to your car caused by a traffic collision
• Comprehensive – This covers non-collision-related incidents, such as damages to your vehicle caused by severe weather
• Rental
• Towing and labor

NOTE: MA auto insurance laws do not require you to purchase collision and comprehensive coverage; however, if you have a car loan or are leasing your car, your finance company will require you to have both collision and comprehensive car insurance.
Proof of Insurance
In Massachusetts, you do not need to show your insurance card as proof of insurance. Instead, your car registration will have your car insurance information on it and will act as your proof of insurance.
Because your car registration is also your proof of insurance, Massachusetts takes steps to involve your car insurance carrier in the vehicle registration process.

Registering Your Vehicle

If you are registering your car for the first time in Massachusetts, you will need to have your MA car insurance agent complete, stamp, and sign the Insurance Certification section of an Application for Registration and Title (RMV-1) before turning it into the Massachusetts Registry of Motor Vehicles (RMV).
To learn more about MA vehicle registration, visit our page on registering your car in Massachusetts.

Renewing Your Registration

You should receive a Renewal Form (RMV-2) from the RMV in the mail before the expiration of your current vehicle registration. You may also download and print the RMV-3 form for the same purposes.
If your renewal card is marked "Ins. Stamp Required," you must have your insurance company stamp and sign your renewal card before turning it into the RMV via the following options:
 By mail to:
 Attn.: Mail In Registration Department
 Registry of Motor Vehicles
 PO Box 55891
 Boston, MA 02205
 In person at an RMV center.
If your renewal card is marked "Ins. Stamp Not Needed Active Policy on File," you may be able to renew your car registration by any of the above options, OR:
Online at the MA RMV's Registration Renewal page.
By phone at:  (857) 368-8000 (if calling from MA area codes 339, 617, 781, and 857, or from outside of MA)
 (800) 858-3926 (if calling from any other MA area code not listed).
Touch-tone for hearing impaired: (877) 768-8833.
To learn more about vehicle registration renewal criteria, visit our Registration Renewal in Massachusetts page.

Massachusetts Safe Driver Insurance Plan

The Massachusetts Safe Driver Insurance Plan (SDIP) is a program that aims to decrease traffic accidents by requiring unsafe drivers to pay higher insurance premiums and offering discounts to safe drivers. SDIP rate discounts and increases specifically affect your liability and optional collision coverages. Your driving history directly affects your SDIP rating, as well as the effect of that rating on your premium. The MA RMV provides a detailed chart that shows how ratings affect your premium.

Massachusetts Auto Insurance Plan

You are guaranteed car insurance in Massachusetts, regardless of your driving history; however, individual car insurance companies do have the right to deny you their coverage.
If you are having a difficult time finding a car insurance company willing to provide you coverage, you can apply for a car insurance policy through the Massachusetts Auto Insurance Plan (MAIP).
MAIP will assign you to a Massachusetts car insurance provider. All car insurance companies in Massachusetts must provide MAIP - assigned car insurance.
You can apply to the Massachusetts Auto Insurance Plan through any MA car insurance agent, including an agent with a company that rejected you for coverage initially.
Car insurance is cheaper in the voluntary market. Continue to shop around and compare rates to determine your best insurance option, even if you currently hold an MAIP policy. You can cancel your MAIP insurance at any time.

Determining Your Premium

In addition to merit-based driver rating systems such as the SDIP, insurance companies in Massachusetts may also use the following factors to determine the rate of your premium:
Your age.

• Years of driving experience.
• Your location
• The make and model of your car.

MA auto insurance companies are not legally allowed to use the following factors to determine the price of your auto insurance policy:

• Credit score
• Gender
• Marital status
• Race
• Job
• Whether or not your own a home.

Because MA insurance companies cannot factor the above to determine your insurance quotes, they may put a heavier emphasis on the factors they can use.
Regardless of how auto insurance companies determine your policy rates, the most effective way of obtaining and keeping a low-cost policy is by following traffic laws and driving safely.

Most Stolen Cars in Massachusetts

If you own a car that is highly targeted for theft, you may have to pay more for your car insurance.
The following is a list of the most stolen cars in Massachusetts for 2013, according to www.nicb.org
Honda Accord
Honda Civic
Ford Pickup (full-size)
Chevrolet Pickup (full-size)
Toyota Camry
Dodge Pickup (full-size)
Toyota Corolla
Nissan Altima